Debt

Debt shown in maroon

Overview

When a hero or villain is defeated, he accrues experience debt, which slows his ability to reach the next level.

Debt does not accrue until the character reaches experience level ten. As the character rises in level, the amount of debt he accrues per defeat increases, as does the maximum total amount of debt he can accumulate. A character can have a maximum of five full defeats' worth of debt.

Some powers and situations reduce or even eliminate the amount of debt that defeat causes. Most prominently, a character defeated while in an instanced mission accrues only half the normal amount of debt. Also, some resurrection effects render the revived character immune to debt for a brief period, in the event that he is immediately defeated again. In addition, if a character has Patrol Experience, it is used to pay off any debt earned up to the amount of Patrol XP the character has accumulated.

Working Off Debt

When a character has experience debt, half the experience earned (or the amount of remaining debt, whichever is less) is used to pay off the debt. Only the remainder applies to advance the character's level.

To work off debt more quickly, a character may serve as an Exemplar or Malefactor. While this arrangement exists, all experience the character earns is applied toward his debt.

A clever way to use Exemplaring to full effect is to acquire a high-level "Defeat X Enemies" mission that is not tied to any particular zone and specifies an enemy that exists at both high and low levels, such as Arachnos or the Circle of Thorns. Exemplar to a much lower-level character and defeat those enemies in an appropriate low-level zone. Your mission completion bonus will be based on your true level and be quite large, and it will all be applied to your debt due to your Exemplar status.

Strategic Use of Debt

This section contains information about changes that took place in City of Heroes/Villains. It is provided for historical purposes.

This type of debt usage is not needed anymore as XP can be turned off in the Options window.

On certain occasions, a character may not want to level up. In such cases, the player may deliberately accrue debt to slow the character's progression.

For example, a player may not want to outlevel his Contacts. He may be trying to get a specific badge mission or Story Arc from a Contact, or he may be a villain trying to unlock an unlockable CoV Contact while that Contact will still speak with him.

Since debt also counts toward debt badges, hardcore badge-collecting players may want to generate debt specifically to work on earning the debt badges.

Also, a character might want to earn badges for Accolades at a lower level to have access them in a PvP zone like Bloody Bay, as the game remembers what level the accolade was earned at, and will deny a character the use of the accolade power if it was earned it at a higher level than the level of the zone.

Additionally, debt can be used to increase the amount of influence/infamy that a character gains at each level, since he will spend more time playing between levels.

It should be noted that several of these goals may be accomplished by being an Exemplar/Malefactor to a lower-level player as well, particularly the last one. Serving as an Exemplar halts a character's leveling progress completely. Debt only slows it to half speed.

Debt Table

Debt values up to date as of August 20, 2009. Debt cap values still need to be updated.

Level	Debt	Debt Cap	Level	Debt	Debt Cap
1	0	0	26	4400
2	0	0	27	5400
3	0	0	28	6400
4	0	0	29	7200
5	0	0	30	8000	40,000
6	0	0	31	9200	46,000
7	0	0	32	10,400	52,000
8	0	0	33	11,600
9	0	0	34	12,800
10	160		35	14,800
11	220		36	16,800
12	280		37	18,400
13	320		38	20,800
14	380		39	24,000
15	440		40	26,800
16	520		41	30,000
17	640		42	34,000
18	760		43	38,400
19	880		44	43,200
20	1000		45	48,800
21	1400		46	55,200
22	1800		47	61,600
23	2200		48	69,600
24	2800		49	79,200
25	3400		50	88,000

History

• Level at which debt starts was raised to level 10 in Issue 5
• Debt from being defeated in a mission was halved in Issue 5
• Debt was lowered another 20% during Issue 11

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